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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Bradford, VT Housing Affordability Index

Bradford, Vermont has an MBR Housing Affordability Index score of 140.1 (Highly Affordable) as of October 30, 2026, ranking 11th most affordable of 133 scored Vermont cities, compared with 89.8 statewide and 97.4 nationally. On a median-priced $226,500 home with 20% down, the Vermont average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $1,240, or 14% of the city’s $104,306 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bradford is updated every night from live Vermont mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Bradford MBR-HAI 140.1 Highly Affordable
Rank in Vermont 11 of 133 1 = most affordable
Vermont 89.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.28% Vermont lenders
Median home value $226,500 U.S. Census Bureau

Bradford is 50.4 points above the Vermont score. Scores as of October 30, 2026. See the Vermont index

View Bradford Mortgage Rates

What It Takes to Buy in Bradford

$1,240/mo
Principal & Interest
Median home, 20% down, 7.28%
$53,100
Income Needed
To keep the payment at 28% of income
$104,306
Median Household Income
Vermont: $81,203
2.2x
Price-to-Income Ratio
Vermont: 3.9x
$1,535/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,701/yr
Median Property Tax
1.63% of median value
9.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
44.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Bradford, Vermont. The rate is the Vermont average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Bradford Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bradford, Vermont score: 140.1 (Highly Affordable), ranked 11 of 133 Vermont cities. monitorbankrates.com/housing-affordability-index/vermont/bradford”